Updated February 2026

BAH Rates St.. Louis, MO 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the St.. Louis military housing area (MHA: MO161), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,436

$29,232/year

E-5 without Dependents

$1,947

$23,364/year

O-3 with Dependents

$2,760

$33,120/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,268	$27,216
E-2	$2,268	$27,216
E-3	$2,268	$27,216
E-4	$2,268	$27,216
E-5	$2,436	$29,232
E-6	$2,655	$31,860
E-7	$2,691	$32,292
E-8	$2,733	$32,796
E-9	$2,841	$34,092
Warrant Officer
W-1	$2,673	$32,076
W-2	$2,709	$32,508
W-3	$2,763	$33,156
W-4	$2,871	$34,452
W-5	$3,006	$36,072
Commissioned Officer (Prior Enlisted)
O-1E	$2,694	$32,328
O-2E	$2,751	$33,012
O-3E	$2,892	$34,704
Commissioned Officer
O-1	$2,472	$29,664
O-2	$2,652	$31,824
O-3	$2,760	$33,120
O-4	$3,048	$36,576
O-5	$3,261	$39,132
O-6	$3,285	$39,420
O-7	$3,309	$39,708

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,701	$20,412
E-2	$1,701	$20,412
E-3	$1,701	$20,412
E-4	$1,701	$20,412
E-5	$1,947	$23,364
E-6	$2,112	$25,344
E-7	$2,271	$27,252
E-8	$2,487	$29,844
E-9	$2,541	$30,492
Warrant Officer
W-1	$2,220	$26,640
W-2	$2,484	$29,808
W-3	$2,553	$30,636
W-4	$2,655	$31,860
W-5	$2,700	$32,400
Commissioned Officer (Prior Enlisted)
O-1E	$2,433	$29,196
O-2E	$2,529	$30,348
O-3E	$2,646	$31,752
Commissioned Officer
O-1	$2,094	$25,128
O-2	$2,385	$28,620
O-3	$2,571	$30,852
O-4	$2,685	$32,220
O-5	$2,703	$32,436
O-6	$2,739	$32,868
O-7	$2,784	$33,408

62 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the St.. Louis (MO161) Military Housing Area:

63005 63011 63017 63021 63025 63026 63031 63033 63034 63038 63040 63042 63043 63044 63074 63088 63101 63102 63103 63104 63105 63106 63107 63108 63109 63110 63111 63112 63113 63114 63115 63116 63117 63118 63119 63120 63121 63122 63123 63124 63125 63126 63127 63128 63129 63130 63131 63132 63133 63134 63135 63136 63137 63138 63139 63140 63141 63143 63144 63146 63147 63367

Frequently Asked Questions

What is the BAH rate for an E-5 in St.. Louis?

The 2026 BAH rate for an E-5 with dependents in St.. Louis, MO is $2,436 per month ($29,232 per year). Without dependents, the rate is $1,947 per month.

How many ZIP codes are in the St.. Louis MHA?

The St.. Louis Military Housing Area (MO161) includes 62 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Missouri BAH rates →

How St. Louis, MO BAH compares nationally

BAH for St. Louis, MO runs above the national average: $2,436/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (95th overall, 6.4% above average).

Within the state, this is the highest-rate MHA of 6; the lowest is Columbia/Jefferson City, MO at $1,377/mo for the same E-5 — a $1,059 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $474/mo (24.9%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.